SHVF Sept e-News Brief
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size=5>Self-Help Ventures Fund September e-News Brief</FONT></FONT></TD>
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size=3>Self-Help SBA 504 Program</FONT></TD>
<TD style="PADDING-RIGHT: 5px; TEXT-ALIGN: right"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #ffffff; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
face="'Trebuchet MS',Verdana,Helvetica,sans-serif" color=#ffffff
size=3>September 2006</FONT></TD></TR></TBODY></TABLE></TD></TR>
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<TD align=left><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #ffffff; FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif"
face="Verdana, Geneva, Arial, Helvetica, sans-serif" color=#ffffff
size=2>In This Issue:
<LI style="MARGIN-LEFT: 12pt; COLOR: #ffcc00; TEXT-INDENT: -12pt"
color="#FFCC00"><A style="COLOR: #ffffff"
href="file:///C:/Documents%20and%20Settings/jung/Desktop/New%20HTML%20Document.html#article1"
shape=rect color="#FFFFFF">New 20-Year and 10-Year Rates</A>
<LI style="MARGIN-LEFT: 12pt; COLOR: #ffcc00; TEXT-INDENT: -12pt"
color="#FFCC00"><A style="COLOR: #ffffff"
href="file:///C:/Documents%20and%20Settings/jung/Desktop/New%20HTML%20Document.html#article2"
shape=rect color="#FFFFFF">SBA 504 Underwriting Tip: Collateral
Considerations</A>
<LI style="MARGIN-LEFT: 12pt; COLOR: #ffcc00; TEXT-INDENT: -12pt"
color="#FFCC00"><A style="COLOR: #ffffff"
href="file:///C:/Documents%20and%20Settings/jung/Desktop/New%20HTML%20Document.html#article3"
shape=rect color="#FFFFFF">Hispanic Family Business Development
Workshop</A>
<LI style="MARGIN-LEFT: 12pt; COLOR: #ffcc00; TEXT-INDENT: -12pt"
color="#FFCC00"><A style="COLOR: #ffffff"
href="file:///C:/Documents%20and%20Settings/jung/Desktop/New%20HTML%20Document.html#article4"
shape=rect color="#FFFFFF">SBA 504 Loan Information Session in
Asheville</A>
<LI style="MARGIN-LEFT: 12pt; COLOR: #ffcc00; TEXT-INDENT: -12pt"
color="#FFCC00"><A style="COLOR: #ffffff"
href="file:///C:/Documents%20and%20Settings/jung/Desktop/New%20HTML%20Document.html#article5"
shape=rect color="#FFFFFF">Lenders' Breakfast in Winston-Salem</A>
<LI style="MARGIN-LEFT: 12pt; COLOR: #ffcc00; TEXT-INDENT: -12pt"
color="#FFCC00"><A style="COLOR: #ffffff"
href="file:///C:/Documents%20and%20Settings/jung/Desktop/New%20HTML%20Document.html#article6"
shape=rect color="#FFFFFF">Contact Us</A>
<P></FONT></P></LI></TD></TR></TBODY></TABLE><FONT
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<P style="FONT-WEIGHT: bold"></P>
<P>This is Self-Help's electronic news brief for lenders. Each month we
deliver current SBA 504 loan rates and share information that can benefit
you and your small business customers. </P>
<P>For an explanation of the SBA 504 program, please visit the 504 section
of Self-Help's website at <A
href="http://www.self-help.org/504loans">http:www.self-help.org/504loans</A>.
</P>
<P>As always, we thank you for your support - and look forward to working
with you to provide 504 financing for North Carolina's growing small
businesses. </P><BR>Jim Overton <BR>Director of SBA 504 Lending </FONT>
<P></P>
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style="FONT-WEIGHT: bold; FONT-SIZE: 13pt; COLOR: #000066; FONT-STYLE: italic; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
face="'Trebuchet MS',Verdana,Helvetica,sans-serif" color=#000066
size=3>New 20-Year and 10-Year Rates</FONT></TD></TR>
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<DIV style="MARGIN-TOP: -10px">
<P><B>6.72%</B> fixed for 20 years for real estate projects, including
acquisition, new construction and major renovation. </P>
<P><B>6.87%</B> fixed for 10 years for equipment and machinery. </P>
<P>(Rate as of September 8, 2006) </P>
<P>Rates are continuing to trend back down from a spike to 7.25% in July,
as the 10-year Treasury rates have come back down from earlier fears of
steadily increasing inflation. </P></DIV></FONT></DIV>
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<TD style="TEXT-ALIGN: right" vAlign=bottom width="100%"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 13pt; COLOR: #000066; FONT-STYLE: italic; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
face="'Trebuchet MS',Verdana,Helvetica,sans-serif" color=#000066
size=3>SBA 504 Underwriting Tip: Collateral
Considerations</FONT></TD></TR>
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<DIV style="MARGIN-TOP: -10px">
<P>One of the biggest selling points for the 504 program is our aggressive
approach to collateral. By its very design, the program allows us to take
loan-to-value positions in the 90-95% range, without additional
collateral. </P>
<P>Why are we willing and able to take such an aggressive stance? The SBA
intentionally set the program up to tie up as few of the borrowers' assets
and liquid resources as possible - so that they can have the resources
they need to grow their business and create more jobs. </P>
<P>Consequently, we generally will take no collateral on our loan other
than a second lien on the real estate involved in the project, and
guarantees from the business owners. Probably 95% of our projects involve
no other collateral than the project real estate. </P>
<P>What kinds of cases lead us to consider taking additional collateral to
secure our interest? Here are the primary examples:
<UL>
<LI>The building itself does not end up with an "as- completed"
appraised value close enough to our total project costs. Some
specialized facilities will not generate adequate appraised value; if
the shortfall is significant enough, we might need to consider
additional collateral.
<LI>The project involves a combination of real estate and equipment, and
the dollar value of the equipment involved leaves us too exposed on our
LTV. We can sometimes address this situation by getting a first position
on the equipment being financed, but if not, we may look to have some
additional collateral.
<LI>The project is a large equipment-only project. Because the
liquidation value of equipment is often so low, if a project nears $1
million in value, we might need something else to support our position
until the loan has seasoned properly. </LI></UL>
<P></P>
<P>Even in these cases, Self-Help may approve a loan without requiring
additional collateral other than the appropriate liens on the project
assets being financed, if the 504 loan is being made to an existing
business that meets the following criteria:
<UL>
<LI>Proven management
<LI>Strong, consistent cash flow that is more than minimally adequate to
support the new debt
<LI>Expansion that is a logical extension of current operations </LI></UL>
<P></P>
<P>We will always attempt to avoid taking a lien on inventory, accounts
receivable and assets not eligible for 504 financing. The firm generally
needs to have these assets available to secure needed working capital
financing, and we don't want to limit growth by tying them up
unnecessarily. Therefore, if we determine we do need additional
collateral, we would look toward other assets of the owners to provide the
needed collateral. </P>
<P>If you have a concern about collateral issues on a proposed 504 loan,
please feel free to contact your Self-Help loan officer. We'll walk
through the project with you, and let you how we can address those
concerns - and we'll do our best to finance the project without taking on
additional collateral. </P></DIV></FONT></DIV>
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width=5 border=0></TD>
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<TD style="TEXT-ALIGN: right" vAlign=bottom width="100%"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 13pt; COLOR: #000066; FONT-STYLE: italic; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
face="'Trebuchet MS',Verdana,Helvetica,sans-serif" color=#000066
size=3>Hispanic Family Business Development Workshop</FONT></TD></TR>
<TR style="BACKGROUND-COLOR: #000066" bgColor=#000066>
<TD colSpan=2><IMG height=2
src="Self Help Ventures Fund September e-News Brief_files/spacer.gif"
width=5 border=0></TD></TR></TBODY></TABLE>
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style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
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<DIV style="MARGIN-TOP: -10px">
<P>Location: Worrell Center, Wake Forest University,
Winston-Salem<BR>Date: Sept. 24-27 </P>
<P>The N.C. Institute of Minority Economic Development (NCIMED) is
sponsoring an executive education program at the WFU Babcock Graduate
School of Business. It's a great opportunity for privately held Hispanic
family-owned businesses that are beyond the start up stage. </P>
<P>Know any interested businesses? Please contact Crystal German by Sept.
20 at cgerman@ncimed.com or (919) 956-8889. </P>
<P>For additional information, please visit <A
href="http://rs6.net/tn.jsp?t=qtzakybab.0.0.6a6fftbab.0&ts=S0207&p=http%3A%2F%2Fwww.ncimed.com%2Fevents%2Fdetail.cfm%3FEVENT_ID%3D371">NCIMED</A>'s
website. </P></DIV></FONT></DIV>
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<TD style="TEXT-ALIGN: right" vAlign=bottom width="100%"><FONT
style="FONT-WEIGHT: bold; FONT-SIZE: 13pt; COLOR: #000066; FONT-STYLE: italic; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
face="'Trebuchet MS',Verdana,Helvetica,sans-serif" color=#000066
size=3>SBA 504 Loan Information Session in Asheville</FONT></TD></TR>
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<DIV style="MARGIN-TOP: -10px">
<P>Date: Sept. 28, 2006<BR>Time: 11 a.m. to noon<BR>Location: Bank of
America, downtown Asheville, 3rd floor conference room </P>
<P>The SBTDC and Self-Help Asheville offices are teaming up to offer an
information session for WNC lenders about the 504 loan program. This may
be a good session for your small business clients to attend. </P>
<P>Topics will include:
<UL>
<LI>What is the 504 Loan?
<LI>How does the loan work?
<LI>What are the benefits for the borrower?
<LI>What are the benefits for the lender?
<LI>Who can qualify? </LI></UL>
<P></P></DIV></FONT></DIV>
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style="FONT-WEIGHT: bold; FONT-SIZE: 13pt; COLOR: #000066; FONT-STYLE: italic; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
face="'Trebuchet MS',Verdana,Helvetica,sans-serif" color=#000066
size=3>Lenders' Breakfast in Winston-Salem</FONT></TD></TR>
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<DIV style="MARGIN-TOP: -10px">
<P>Date: Oct. 18<BR>Time: 8 a.m., breakfast provided<BR>Location:
Winston-Salem Chamber of Commerce, 601 W. Fourth St. <BR>For directions to
the Chamber of Commerce, <A
href="http://rs6.net/tn.jsp?t=qtzakybab.0.0.6a6fftbab.0&ts=S0207&p=http%3A%2F%2Fwww.winstonsalem.com%2Fwinstonsalem%2Fwww.nsf%2Fdoc%2FDirections_to_the_Chamber.cm">click</A>
here. </P>
<P>The Winston-Salem Piedmont Chamber of Commerce and Self-Help are
hosting a breakfast and panel discussion open to Triad lenders. Stan
Mandel, director of Wake Forest University's Angell Center for
Entrepreneurship, will address the featured topic: <B><I>Pockets of
growth: small business trends in the Triad</I></B>. </P>
<P>A panel discussion on creative secondary-market financing options for
commercial real estate development will follow, and include
representatives from Surry Branch & Trust, Zions Bank, Bank of West,
the Small Business Administration and Self-Help. The topics the panel will
discuss include the following:
<UL>
<LI>Nontraditional financing methods lenders may want to consider
<LI>Ways SBA 504 program fixed-asset financing may benefit lenders and
small business clients
<LI>Methods of generating income via the secondary market
<LI>Tips for reducing risk while boosting revenue
<LI>Guidance on where to refer small business clients who don't meet
lending guidelines </LI></UL>
<P></P>
<P>The event is free and open to Triad-area lending and economic
development professionals. Please RSVP to Linda Comstock at (800) 269.7426
ext. 2610 or lindac@self-help.org by <B>Oct. 12</B>, as space is limited.
</P></DIV></FONT></DIV>
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style="FONT-WEIGHT: bold; FONT-SIZE: 13pt; COLOR: #000066; FONT-STYLE: italic; FONT-FAMILY: 'Trebuchet MS',Verdana,Helvetica,sans-serif"
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size=3>Contact Us</FONT></TD></TR>
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<DIV style="MARGIN-TOP: -10px">
<P>Call the Self-Help loan officer nearest you to discuss a project or
learn more about how you can use an SBA 504 loan to help your small
business customers with expansion needs. </P>
<P><B>Charlotte Region:</B> <A
href="mailto:dale.harrold@self-help.org">Dale Harrold</A>and <A
href="mailto:ralph.ansell@self-help.org">Ralph Ansell</A>, Self-Help,
Great Aunt Stella Center, 926 Elizabeth Ave., Suite 302, Charlotte, NC
28204 * 800-394-7428 </P>
<P><B>Fayetteville Region:</B> <A
href="mailto:allen.cofiori@self-help.org">Allen Cofiori</A>, Self-Help,
100 Hay St., Suite 300, Fayetteville, NC 28301 * 800-774-7966 </P>
<P><B>Northeastern NC Region:</B> <A
href="mailto:gerry.blood@self-help.org">Gerry Blood</A>, Self-Help, 301
South Evans St., Suite 306, Greenville, NC 27858 * 800-893-9669 </P>
<P><B>Southeastern NC Region:</B> <A
href="mailto:louis.rogers@self-help.org">Louis Rogers</A>, Self-Help, 272
N. Front St., Suite 215, Wilmington, NC 28401 * 877-559-4284 </P>
<P><B>Triad/Greensboro Office:</B> <A
href="mailto:anna.tefft@self-help.org">Anna Tefft</A>, Self-Help, 122 N.
Elm St., Suite 1015, Greensboro, NC 27401 * 800-269-7426 </P>
<P><B>Triad/Winston-Salem Office:</B> <A
href="mailto:anna.tefft@self-help.org">Anna Tefft</A>, 500 West Fourth
Street, Suite 200, Winston-Salem, NC 27101 * 336-478-2611 </P>
<P><B>Triangle Region:</B> <A href="mailto:joe.osowski@self-help.org">Joe
Osowski</A>, Self-Help, 301 W. Main St., PO Box 3619, Durham, NC 27702 *
800-476-7428 </P>
<P><B>Western NC Region:</B> <A href="mailto:tom.byers@self-help.org">Tom
Byers</A>, Self-Help, 34 Wall St., Suite 704, Asheville, NC 28801 *
800-229-7428 </P>
<P>Contact our <B>SBA 504 Program Director</B>, <A
href="mailto:jim.overton@self-help.org">Jim Overton</A>, , at
919-956-4473. </P>
<P>Or contact our new <B>SBA 504 Marketing Officer</B>, <A
href="mailto:jamie.miyares@self-help.org">Jamie Miyares</A>, , at
919-956-4670. </P></DIV></FONT></DIV>
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